Merchant Cash Advance (MCA) for UK Businesses
Secure cash advances from £5,000 to £300,000 based directly on your card terminal and online sales. Repay smoothly as an agreed small percentage of future customer card swipes – with zero fixed monthly repayments.
How a Merchant Cash Advance Operates
A Merchant Cash Advance is an alternative funding vehicle designed specifically for businesses taking in-person or e-commerce card payments.
Instead of a rigid monthly direct debit, the lender advances a lump sum upfront. When your customers pay via card, an agreed micro-percentage (typically 10% to 15%) is automatically retained until the agreed factor fee is cleared. On quiet trading days, you pay back less; on busy weekends, you repay faster.
Flexible Card Turnover Repayments That Mirror Cash Flow
Unlike rigid bank overdrafts with fixed monthly repayment deadlines, merchant cash advances align effortlessly with your trading volume:
- Fluctuation Friendly: Repayments automatically scale down during seasonal or weekly trading slowdowns.
- Up to 200% Card Turnover: Advance amounts calculated directly from monthly card terminal takings.
- Fast 48-Hour Drawdown: Quick approval requiring only 3 to 6 months of card merchant statements.
Apply for a Merchant Cash Advance
Enter your monthly card takings to calculate your eligible advance sum.
Need Low Rate Card Terminals Too?
Combine your MCA advance with high-speed card machines featuring rates from 0.29% and next-day settlements.